The reason I didn't mention it is because I've never seen a charge for a "banking " or "government" fee in my Santander Rio account after making a transfer using Transferwise (and I just checked my account on line to be sure).I'm curious about one thing you don't mention: In my transferring money to two different people in BA, they were hit with a banking fee that the banks said is a government fee, unavoidable. You don't mention this at all. Any idea how you're not charged a fee from the incoming bank?
When I started using Transferwise, I made transfers in which the funds were "withdrawn" from my Charles Schwab checking account. A couple months ago I started using my Schawb debit card. The fee is slightly higher but the site says the funds will arrive much faster (about an hour) and they are always credited to my Santander Rio account before one PM. Only once has a transfer of funds that were "withdrawn" from my Schwab checking account NOT arrived the same day.
That being said, if you make a "wire transfer" Schwab's fee is $25 USD and I believe the receiving bank in Argentina also charges a fee.
I've never used the wire transfer option as the Transferwise fees for the amounts I transfer monthly are never greater than $15 USD.
PS: I have never transferred USD from the US to my dollar account with Santander Rio as the only way to so that (if I understand correctly) is to use the wire transfer option. I only transfer as much as I plan to spend in a month and occasionally I also withdraw cash in $4000 peso increments using ATMs in Argentina.